Direct Pay Options for LINX Patients

We offer financing with a fixed APR and low monthly payments.

If you’re a candidate for LINX, you could have your surgery now – with no wait, and no need for insurance approval. SOFI patients are eligible to pay cash now, or structure payments in an affordable payment plan through Prosper Healthcare Lending.

Why choose to pay out-of-pocket for LINX?

Most insurance policies will only cover traditional GERD surgeries, such as Nissen fundoplication. But many patients may prefer to pay cash for LINX due to its potential advantages.

LINX
Fundoplication
Minimally invasive?
Yes. LINX is a small implant inserted laparascopically.
Yes, however, involves permanent surgical alteration to the stomach.
Recovery time?
  • Patients can return to non-strenuous activity within a few days.
  • Patients can return to a more normal diet within a few days.
  • Patients can return to non-strenuous activity within a few days.
  • Food intake may be restricted for 3-4 weeks post-surgery.
Effective at reducing need for meds?
4 years post-op, 80% of patients report no need for PPI meds.
5-10 years post-op, 20% of patients report incomplete symptom control. (Results are comparable to LINX.)
Side effects?
  • LINX patients report the ability to belch and vomit.
  • Patients also report less bloating compared to before the surgery.
  • Most patients are not able to belch or vomit.
  • 30% report increased flatulence.
Covered by insurance?
No – but available in cash-pay model with affordable lending options.
Yes.

Learn more about LINX here.

Financing with Prosper Healthcare Lending

If you’re unable to pay the full amount up-front, you can still have LINX now. SOFI is offering affordable loans with low monthly payments through Prosper Healthcare Lending – a company that helps patients finance procedures not covered by insurance.

How Prosper works

Prosper is a peer-to-peer lending company, meaning that your loan will be financed by a private investor (rather than a bank). Applying for a loan with Prosper will not affect your credit score.

Click here to apply for a LINX loan online – the application takes only 2 minutes to complete, and you’ll learn whether your loan will be financed within 14 days. Fixed rates are as low as 5.99%, and monthly payments are structured to be affordable.

With Prosper Healthcare Lending, there are no penalties for paying off your loan early. You can choose to pay only the minimum amount, or make extra payments when it’s comfortable for you.

Get answers to Prosper’s frequently asked questions here.

Have questions?

Contact SOFI online, or call us at (303) 788-7700 to learn more about financing your LINX procedure.